The latest personal finance news, analysis and insights, covering retirement, how to manage your savings, tax guidance and more. https://www.wsj.com/personal-finance/ en-us Copyright © Dow Jones & Company, Inc. All rights reserved. Mon, 17 Aug 2026 04:59:36 GMT https://www.wsj.com/img/wsj_sm_logo.gif https://www.wsj.com/personal-finance/ WP-WSJ-0003812334 We reviewed dozens of hours of influencer content, from stock pickers to financial educators. https://www.wsj.com/personal-finance/a-breakdown-of-the-financial-advice-thats-flying-all-over-tiktok-2c466e70?mod=rss_personalfinance Sun, 16 Aug 2026 16:16:00 GMT Elyse Goncalves ELENA SCOTTI/WSJ; ISTOCK WP-WSJ-0003801270 They lose billions in months and hold quarterly board meetings with their children. Inside the high-stakes, high-reward mindset of the ultrawealthy. https://www.wsj.com/personal-finance/what-i-learned-from-my-conversations-with-the-superrich-61508304?mod=rss_personalfinance Sat, 15 Aug 2026 16:06:00 GMT Gunjan Banerji Yann Bastard WP-WSJ-0003813333 Travelers are taking a shot on rock-bottom-priced packages that could take them to Hawaii—or Tampa, Fla. https://www.wsj.com/lifestyle/travel/the-mystery-vacations-that-give-you-no-idea-where-youre-actually-going-0a9e9cb6?mod=rss_personalfinance Thu, 13 Aug 2026 16:00:00 GMT Jacob Passy Matt Rourke/Associated Press WP-WSJ-0003809831 Advisers are pitching bonds and other investments, but many prefer to keep cash in money-market funds. https://www.wsj.com/personal-finance/wealth-management-has-a-3-trillion-problem-investors-are-keeping-too-much-cash-ba18dbaf?mod=rss_personalfinance Wed, 12 Aug 2026 09:30:00 GMT Miriam Gottfried Bettmann Archive/Getty Images WP-WSJ-0003808681 The share of loans transitioning into serious delinquency has been stabilizing even though the overall pile has been growing, the New York Fed said. https://www.wsj.com/personal-finance/behind-high-credit-card-delinquencies-stale-charged-off-loans-ebce480b?mod=rss_personalfinance Tue, 11 Aug 2026 15:01:00 GMT Oyin Adedoyin Uncredited WP-WSJ-0003802349 Tighter federal mortgage rules will require many condominium associations to set aside more of their budgets into reserve accounts for future repairs. https://www.wsj.com/finance/regulation/why-your-condo-association-might-be-raising-your-dues-soon-20d6adba?mod=rss_personalfinance Sun, 09 Aug 2026 11:00:00 GMT Veronica Dagher Joe Raedle/Getty Images WP-WSJ-0003797468 Parents must weigh how much to contribute to these new accounts—or use other vehicles for college savings, retirement and health savings. https://www.wsj.com/personal-finance/taxes/the-pros-and-cons-of-putting-extra-dollars-in-a-trump-account-ab30c9bd?mod=rss_personalfinance Fri, 07 Aug 2026 09:30:00 GMT Laura Saunders Kiersten Essenpreis for WSJ WP-WSJ-0003757934 Financial assistance for college comes in lots of shapes and sizes, and so do the tax consequences. https://www.wsj.com/personal-finance/taxes/is-that-college-scholarship-taxable-what-parents-need-to-know-before-fall-12d90f81?mod=rss_personalfinance Fri, 24 Jul 2026 09:30:00 GMT Laura Saunders Kiersten Essenpreis for WSJ WP-WSJ-0003703374 The cost of your hobby can be tax deductible, but you have to do it right. https://www.wsj.com/personal-finance/taxes/why-a-couple-lost-a-200-000-tax-battle-over-their-horses-3ca05774?mod=rss_personalfinance Fri, 03 Jul 2026 09:30:00 GMT Laura Saunders Kiersten Essenpreis for WSJ WP-WSJ-0003693145 A tax break for investing in small businesses is being multiplied by two, three, four or even more times through the use of trusts. https://www.wsj.com/personal-finance/taxes/silicon-valley-is-obsessed-with-trust-stacking-and-the-irs-doesnt-like-it-a542519b?mod=rss_personalfinance Mon, 29 Jun 2026 16:00:00 GMT Ashlea Ebeling Peter Santilli Richard Rubin Uncredited WP-WSJ-0003671784 The “kiddie tax” can be a trap for parents and grandparents making gifts, and it applies to a range of unearned income and to children as old as 23. https://www.wsj.com/personal-finance/taxes/being-generous-to-your-kids-dont-stick-them-with-a-surprise-tax-bill-6f442459?mod=rss_personalfinance Fri, 19 Jun 2026 09:30:00 GMT Laura Saunders Kiersten Essenpreis for WSJ WP-WSJ-0003740622 We didn’t want to wait until an emergency forces us to purge in a hurry. One big plus: Doing it gradually has allowed us to bask in our memories. https://www.wsj.com/personal-finance/retirement/downsizing-retirement-slowly-494acdc1?mod=rss_personalfinance Sat, 08 Aug 2026 13:00:00 GMT Karen Kreider Yoder Stephen Kreider Yoder Paul Blow for WSJ WP-WSJ-0003760140 Even those with modest means can grow their nest eggs bigger than they might think. https://www.wsj.com/personal-finance/retirement/the-everyday-guide-to-supersizing-your-retirement-account-8e914e8e?mod=rss_personalfinance Sun, 26 Jul 2026 00:00:00 GMT Anne Tergesen Theo Francis Elena Scotti/WSJ; iStock WP-WSJ-0003737935 More than 1,000 Americans racked up IRAs worth at least $25 million. “This is yacht financing or dynasty building.” https://www.wsj.com/personal-finance/retirement/iras-startup-insiders-retirement-accounts-millions-ea9ecab7?mod=rss_personalfinance Wed, 22 Jul 2026 01:00:00 GMT Anne Tergesen Theo Francis Alexandra Citrin-Safadi/WSJ; Getty WP-WSJ-0003742035 Not all 401(k) plans are created equal. Some employers across the U.S., like Costco, offer better-than-usual retirement benefits. https://www.wsj.com/personal-finance/retirement/i401k-plans-retirement-employers-60b1dd1a?mod=rss_personalfinance Sun, 19 Jul 2026 09:30:00 GMT Celia Bernhardt Sarah Nassauer Matt Martian for WSJ WP-WSJ-0003691934 Navigating a temporary injury made us realize that the quality of our “go-slow” years will depend on alternative transportation. https://www.wsj.com/personal-finance/retirement/retirement-health-mobility-391e6ef9?mod=rss_personalfinance Thu, 09 Jul 2026 19:00:00 GMT Karen Kreider Yoder Stephen Kreider Yoder Paul Blow for WSJ WP-WSJ-0003737893 Researchers tracked lawsuits in eight states where collectors use the courts to garnish wages and recover medical, credit card, utility and other debt. https://www.wsj.com/personal-finance/credit/debt-collectors-chase-more-consumers-in-court-f8d0ed3f?mod=rss_personalfinance Thu, 16 Jul 2026 15:00:00 GMT Dan Frosch Uncredited WP-WSJ-0003609050 Soaring interest rates and stubborn inflation have led to the highest delinquencies since the financial crisis. More families are shifting to “a pattern of survival debt.” https://www.wsj.com/personal-finance/credit/us-credit-card-debt-af5c7c77?mod=rss_personalfinance Fri, 29 May 2026 21:43:00 GMT Dan Frosch Alexandra Citrin-Safadi/WSJ WP-WSJ-0003557298 Young people in particular have powered a rise in the number of Americans with credit scores over 780. https://www.wsj.com/personal-finance/credit/the-super-prime-credit-score-club-is-growing-rapidly-a01de5ca?mod=rss_personalfinance Wed, 06 May 2026 15:45:00 GMT Oyin Adedoyin Getty Images WP-WSJ-0003331438 The ebbs and flows of a score can be confusing, so accepting and understanding them is key. https://www.wsj.com/personal-finance/credit/credit-score-young-adults-220d3893?mod=rss_personalfinance Tue, 03 Mar 2026 16:10:00 GMT Julia Carpenter Zara Picken for WSJ WP-WSJ-0003249209 The president’s proposed limit could intensify competition for premium-card holders. https://www.wsj.com/personal-finance/credit/how-trumps-cap-on-credit-card-rates-would-reshape-the-rewards-world-c662002e?mod=rss_personalfinance Tue, 13 Jan 2026 17:00:00 GMT Imani Moise David Paul Morris/Bloomberg News WP-WSJ-0003773438 The digital environment makes it so easy to spend money. The key is to put a little friction between us and our purchases. https://www.wsj.com/personal-finance/savings/brain-hacking-better-with-money-e61514ce?mod=rss_personalfinance Fri, 07 Aug 2026 15:00:00 GMT Julia Carpenter Eglė Plytnikaitė WP-WSJ-0003434326 Twenty-somethings are drinking less, exercising more—and changing the way they socialize with others. https://www.wsj.com/personal-finance/savings/gen-z-exercise-f33af2da?mod=rss_personalfinance Fri, 10 Apr 2026 16:00:00 GMT Oyin Adedoyin Maya Nguyen for WSJ WP-WSJ-0003192947 We all say we want to save more and spend less. The key is to think more broadly. https://www.wsj.com/personal-finance/savings/financial-discipline-new-years-resolution-e0e636d2?mod=rss_personalfinance Tue, 30 Dec 2025 18:00:00 GMT Annabelle Williams Eliot Wyatt for WSJ WP-WSJ-0003005225 Will West wants to get a master’s degree and then own a house within 10 years. A financial adviser weighs in. https://www.wsj.com/personal-finance/savings/college-full-time-work-savings-goals-0f7c96f4?mod=rss_personalfinance Tue, 14 Oct 2025 16:00:00 GMT Lisa Ward Will West WP-WSJ-0002271468 I keep a tight rein on my spending throughout the year. But for my birthday, I focus on what I want, not just what I need. https://www.wsj.com/personal-finance/savings/budget-tips-how-to-splurge-special-occasions-c7d1b207?mod=rss_personalfinance Sat, 04 Jan 2025 13:00:00 GMT Cordilia James Kanitharin Thailamtong WP-WSJ-0003704382 Check the costs and estimate monthly payments to see if you can afford the new mortgage’s terms https://www.wsj.com/personal-finance/mortgages/cash-out-refinancing-home-mortgage-cf8cd637?mod=rss_personalfinance Tue, 04 Aug 2026 13:50:00 GMT Lori Ioannou Kiersten Essenpreis for WSJ WP-WSJ-0003098169 A mortgage this long would reduce a home buyer’s monthly payments, but the interest owed would be much higher. https://www.wsj.com/personal-finance/mortgages/will-a-50-year-mortgage-make-homes-more-affordable-heres-how-it-would-work-9f9a1b2e?mod=rss_personalfinance Mon, 10 Nov 2025 20:14:00 GMT Rebecca Picciotto Nicole Friedman Angela Owens/WSJ WP-WSJ-0002906912 With the average 30-year fixed mortgage rate at a 10-month low, homeowners with high-rate mortgages are starting to get excited about refinancing https://www.wsj.com/personal-finance/mortgages/mortgage-refinancing-starts-to-thaw-as-rates-trend-down-25ad4ae7?mod=rss_personalfinance Sun, 31 Aug 2025 01:00:00 GMT Ben Eisen Veronica Dagher Zak Bennett/Bloomberg News WP-WSJ-0002327714 Borrowers are still on the hook but might be able to pause payments. https://www.wsj.com/personal-finance/mortgages/los-angeles-fires-burned-homes-mortgage-payments-a5b7d5bb?mod=rss_personalfinance Thu, 16 Jan 2025 19:08:00 GMT Gina Heeb Ben Eisen Stuart Palley WP-WSJ-0002082648 Rents remain high, but not as high as mortgage payments. https://www.wsj.com/personal-finance/mortgages/rent-or-buy-how-falling-mortgage-rates-change-the-math-2b4e9ddf?mod=rss_personalfinance Sun, 29 Sep 2024 01:00:00 GMT Veronica Dagher iStock